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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,148 | $80,812-13.2% | $160,784-56.4% | $82,448-14.9% |
| Participation rate | 69.7% | 66.2%+3.5pp | 77.0%-7.3pp | 68.1%+1.6pp |
| Annual return | 9.56% | 100.59%-91.0pp | 1803.92%-1794.4pp | 41.64%-32.1pp |
| Employer contribution / active EE | $0 | $2,174-100.0% | $3,733-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,496 | $4,335+3.7% | $6,293-28.6% | $4,139+8.6% |
| Admin fee / account holder | $2,899 | $7,695-62.3% | $9,717-70.2% | $7,234-59.9% |